Rep. Amy Grant supports HB4160 establishing appraisal mandate in Illinois auto insurance

Rep. Amy L. Grant (R-47th) cast a Yes vote for HB4160, legislation mandating appraisal provisions in Illinois auto insurance contracts, during the 104th General Assembly on May 31, 2026, according to the Illinois House. The measure was approved unanimously in the House, 115-0.

The official summary of the legislation reads: "AUTO INS-RIGHT TO APPRAISAL."

The following summary presents key points based on the actual bill language and may include some interpretive clarification.

In summary, HB4160 amends the Illinois Insurance Code to require all auto insurance policies with first-party physical damage coverage to include a right for either party to request an appraisal process in disputes over loss value or settlement. The bill describes how appraisers and umpires are chosen if disagreement arises, the binding nature of appraisal results, and outlines responsibilities for covering costs—including when insurers bear full appraisal fees if the result favors claimants. Third-party claimants are allowed to use the appraisal process under the same provisions. Insurers that refuse to comply could face penalties such as license revocation. The legislation also forms the Automotive Appraisal Standards Advisory Board to offer guidance on rules and best practices, meeting quarterly. The Department of Insurance is afforded oversight to enforce the law and publish advisory board recommendations online. The act becomes effective 90 days after enactment.

HB4160 was last recorded as 'Senate Committee Amendment No. 2 House Concurs.'

Grant received a Bachelor of Science from the University of Pittsburgh in 1980.

Grant, a Republican, won election to the Illinois State House in 2023 as the representative of the 47th District, succeeding Deanne Mazzochi.

Illinois legislation proceeds through a multi-step process beginning with introduction in either the House or Senate, followed by committee scrutiny, floor votes in both bodies, and concluding with the governor's consideration for approval or veto. The General Assembly meets in two-year cycles, and though thousands of bills are introduced each session, only a small fraction become law.